This is a good request. As you know, corporations must act in a socially, ethically, and environmentally responsible way. So, for instance, if we are dealing with banks, then banks must disclose risks to their customers and make sure that there is good understanding. With this stated, it is still possible for individuals to make bad decisions. When this happens, then the corporation is no longer responsible, but the individual. In other words, people are responsible as well.
Here is another example: a company can sell a customer any good, but with this transaction, a company should be very clear of how to use a product. If a customer uses this product in a way that is not consistent with this company's recommendations and warnings, then, of course, the individual is responsible.
In conclusion, personal responsibly begins when the corporation has done its part to inform the consumer in the best way possible.